Quote:
Originally Posted by Pwn_Master
Surcharge seems fair enough to me tbh if they are going to require insurance companies to cover pre-existing conditions. Could be wrong as this **** is insanely complicated but assume the Obamacare tax ended up in the pockets of insurance companies one way or another. The amount charged to "freeloaders" NEEDS to go back to insurance companies or else everyone else pays for them. Getting rid of the tax and allowing the surcharge seems to be just cutting out the middleman and maybe getting to the same result in a way that appeals to "freedom lovers."
This OTOH is some BULL****.
Quote:
Originally Posted by lycosid
The surcharge just means if you have to drop coverage you should literally never get back on under an circumstance short of imminent hospitalization.
Yea the way the incentives line up once you're off insurance there's a disincentive to get back on insurance until you absolutely need it. It's the worst of both worlds. You're getting the freedom to not have insurance, but not really because you'll get penalized if you try and get back on which means we're back to not having insurance until you have to go to the emergency room which creates the death spiral and if not a death spiral then the burden is going to be heavily on those who drop coverage because they think they're Superman which will bankrupt them which makes insurance pointless. It's one of those dumb overly complicated "libertarian" options that preserves an illusion of freedom where we expect people to be smart enough to know all the options and chose correctly but we know they won't be.
It's also bad because you're more likely to drop coverage of insurance accidentally during some kind of medical incident which will create situations of people forgetting to renew during an event, and getting charged a bazillion for their medical emergency which makes the insurance pointless.